NZ Car Insurance
New Zealand

The three main types of car insurance and how to compare prices in New Zealand.

Last updated: December 19, 2025
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Three Main Types of Insurance

Comprehensive

Covered
  • Your own vehicle damage
  • Other party's vehicle damage
  • Other party's personal injury
  • Vehicle damage caused by fire or theft
Recommended

Third Party, Fire and Theft

Covered
  • Other party's vehicle damage
  • Other party's personal injury
  • Vehicle damage caused by fire or theft
Not Covered
  • Your own vehicle damage

Third Party Only

Covered
  • Other party's vehicle damage
  • Other party's personal injury
Not Covered
  • Your own vehicle damage
  • Vehicle damage caused by fire or theft

Quick Quotation

Use Insurspy to directly compare the prices of all companies InsurSpy

Insurspy Quick Quotation
Main Points of Concern
Total loss compensation
Fire compensation
Compensation for theft
Lost keys
Optional Extras
Roadside assistance
Windscreen insurance

Tip

Paying for a full year upfront is usually much cheaper.

Warning

Reporting a vehicle value higher than the market price will not give you extra compensation, it only increases your premium.

Age

Premiums are higher for drivers under 25.

Long Term Only

Since Malaysia’s visa is six months, many companies don’t offer short-term policies.

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